Full details of what you have chosen are shown in your personal quotation and policy schedule.

Transcription

1 CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You can select the cover that suits your needs, from: Third Party Fire and Theft fire and theft cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their property. Comprehensive loss or damage cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their property. You may add the following optional covers to any of the above covers: No Claim Bonus Protection Legal Assistance Plan Breakdown Extended Cover for Driving Abroad Full details of what you have chosen are shown in your personal quotation and policy schedule. The following tables provide only a summary of the main policy benefits and the terms and conditions. For full details of these and all the terms and conditions that apply you should read the policy document, a copy of which will be provided on completion of your contract or at any time on request. On receipt of your policy documentation, you will have 14 days to decide if you wish to cancel the policy see Your right to cancel the policy for more information. TABLE 1 STANDARD FEATURES The following will automatically be included in your policy, according to the cover you have selected: COVER FOR DRIVING ABROAD Provides the minimum cover required by law throughout the year when using your car abroad. TEMPORARY HIRE CAR We will supply a hire car for the duration of repair whilst your car is being repaired at one of our Recommended Repairers. Only applies to those countries within the territorial limits of the policy. Excludes loss or damage to Any claim for Loss and Damage to a hire car will be subject to any excess which would have applied to your car and affect No Claim Bonus as if you were claiming for Available only if the car is repaired by one of our Recommended Repairers. The hire car will be a class A specification. 1F 7 1

2 TABLE 1 STANDARD FEATURES (CONT.) WINDSCREEN COVER We cover loss of or damage to the windscreen, windows and the opening glass sunroof of PERSONAl ACCIDENT Provides a lump sum of 5,000 if you or your partner were killed or suffer loss of sight or limb in, or while getting in or out of, any car. EMERGENCY CARE Provides benefits for medical expenses, emergency overnight accommodation and replacement locks up to the limits shown on your schedule. IMMEDIATE REPAIR For repair or replacement you will have to pay the first amount of any claim shown in your policy schedule as Windscreen or Window Glass Excess. Anyone claiming who has a higher level of alcohol or drugs than is permitted by law. Cover does not apply to accidental loss of keys Authorisation and Lifetime Guarantee on all Repairs. Available only if the car is repaired by one of our Recommended Repairers. What you should do if there is an accident or a theft. IN CAR ENTERTAINMENT Covers audio, telephone, satellite navigation systems and visual entertainment equipment up to the amount shown as In Car Entertainment on your schedule. PERSONAl EFFECTS We cover loss of or damage to personal possessions in or on your car up to the amount shown as Personal Effects on your schedule. We will pay you or, if you prefer, the owner of the property. All in car entertainment, except for portable satellite navigation systems, must be permanently fitted in All portable satellite navigation systems must be stored out of sight in either a locked boot or locked glove compartment when there is no one in Limited to satellite navigation equipment designed primarily for use in Payment can only be made under this section if a claim is made for Loss and Damage or Fire and Theft. Portable navigation equipment designed primarily for use in Payment can only be made under this Section if a claim is made for Loss and Damage or Fire and Theft

3 TABLE 2 OPTIONAL BENEFITS You may choose to include the following benefits in your policy: NO ClAIM BONUS PROTECTION We will not reduce your No Claim Bonus entitlement if you make a claim. You must have a minimum of 4 years No Claim Bonus with any insurer. No more than 1 claim for theft or an at fault claim in the past 4 years or no more than 2 claims in the past 5 years that were not at fault. Ceases if your circumstances change and you are no longer eligible for the contract or if the policy runs out or is cancelled. 4B Optional Optional EXTENDED COVER FOR DRIVING ABROAD Provides the same level of cover you have in the UK for a limited period when using your car abroad, or extends cover to other countries approved by the European Commission. TEMPORARY HIRE CAR UPGRADE We will supply a hire car whilst your car is being repaired at a non recommended repairers or if the car is a total loss, or if it has been stolen, or following a claim for Loss and Damage. legal ASSISTANCE PlAN Provides up to 100,000 legal expenses to assist with the recovery of any uninsured losses as a result of a car accident. BREAKDOWN COVER OPTION Breakdown assistance with a choice of 4 levels of cover to suit your individual circumstances: Roadside Assistance Roadside and Homecall Assistance Roadside, Recovery and European Assistance Roadside, Recovery, Homecall and European Assistance. Cover can be arranged for up to 180 days in any policy year. Cover is only provided up to the limits shown on your schedule. Any claim for Loss and Damage to a hire car will be subject to any excess which would have applied to your car and affect No Claim Bonus as if you were claiming for The hire car will be a class A specification. Any claim where there are not reasonable prospects of success. Reasonable prospects are defined as Fifty one per cent (51%) or more prospects of successfully receiving money by way of compensation in relation to a Motor Accident which was not your fault. Maximum 5 breakdowns within one period of insurance. Emergency Assistance within one mile of your home unless Homecall is selected. Any extra labour charges or the cost of spare parts, fuel or car key(s). 5 Optional Optional 7 Optional 6 Optional Optional 9 Optional Optional 3

4 TABLE 2 OPTIONAL BENEFITS (CONT.) IN CAR ENTERTAINMENT UPGRADE Covers audio, telephone, satellite navigation systems and visual entertainment equipment up to the increased amount shown as In Car Entertainment on your schedule. All in car entertainment, except for portable satellite navigation systems, must be permanently fitted in All portable satellite navigation systems must be stored out of sight in either a locked boot or locked glove compartment when there is no one in Limited to satellite navigation equipment designed primarily for use in Payment can only be made under this section if a claim is made for Loss and Damage or Fire and Theft. 12 Optional TABLE 3 GENERAL EXCLUSIONS AND CONDITIONS The following apply to the policy as a whole regardless of the specific cover you have selected. For full details of these and other exclusions and limits please read the policy document. WHAT IS NOT COVERED loss AND DAMAGE INClUDING TO YOUR CAR Cover excludes the costs of wear and tear, loss of value, parts breaking down or failing. You must also protect the car against loss or damage and it must be locked and the key(s) removed if no one is in it. Any loss or damage as a result of a public authority legally removing, keeping or destroying Any loss, damage or liability, if, as the result of the incident, you or anyone insured under the policy is convicted of driving whilst under the influence of alcohol or drugs. Loss or damage resulting from your car being taken, without your permission, by: - your partner; - your boyfriend or girlfriend; - your children (including step and foster children); - domestic staff in your employ - anyone who normally lives with you - or a member of your Family. Cover will not apply while driving under the influence of drugs or alcohol. 2 and 3 1,2 and 3 USE OF THE CAR Cover will not apply if the car is being used for a purpose or is being driven by a person not covered by the policy. 1,2 and 3 EXCESSES AND limits Your policy may be subject to excesses, which are the amounts you must pay in the event of a claim. Also, certain limits may apply. These will both be shown on your policy schedule. 1,2 and 3 4

5 IMPORTANT INFORMATION YOUR RIGHT TO CANCEL THE If having examined your policy documentation you decide not to proceed with the insurance you will have 14 days to cancel it starting on the day we make the policy documentation available to you on the website or on the day you receive the policy documentation. To cancel please call On receipt of your notice and the return of any paper copies of your Certificate of Motor Insurance, we will process the cancellation. A refund will not be paid if you have already made a claim under the policy. Any refund of premium will be subject to an administration fee of 25. CLAIMS Should you wish to claim under your car insurance policy, you should call the Claims Helpline on as soon as possible. You must give us any information or help that we may ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy documentation. COMPLAINTS If you believe that we have not delivered the service you expected, we want to hear from you so that we can try to put things right. If you have cause for complaint you should initially contact the person who arranged the policy for you or the manager of μ at the address shown on your quotation or schedule, as appropriate. In the unlikely event that they are unable to resolve your concerns, your complaint will be referred to our Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive. If they cannot resolve the matter to your satisfaction, they will provide you with our final response so that you can, if you wish, refer the matter to the Financial Ombudsman Service. This does not affect your right to take legal action. μ CAR INSURANCE Customer Relations Team PO Box 255 Wymondham NR14 8DP COMPENSATION FINANCIAL OMBUDSMAN SERVICE Exchange Tower Harbour Exchange Square London E14 9SR Royal & Sun Alliance Insurance plc is a member of the Financial Services Compensation Scheme (FSCS). This provides compensation in case any member goes out of business or into liquidation and is unable to meet any valid claims against its policies. You may be entitled to compensation if we cannot meet our obligations, depending on the circumstances of the claim. Further information about the compensation scheme can be obtained from the FSCS. 5

6 OTHER IMPORTANT INFORMATION PREMIUMS AND PAYMENTS Premiums and administration charges are inclusive of Insurance Premium Tax. You may pay for your policy either annually or by monthly instalments. Annual premiums may be paid by credit card or debit card. Monthly instalments can only be paid by direct debit. If you wish to pay by monthly instalments for your first year of cover, a deposit payment must be paid by credit or debit card, followed by 10 monthly instalments that will be debited from your bank account. Payment by credit card may be liable to a surcharge. Please ask for further details at the time of payment. If you are an existing policyholder already paying your policy by 12 monthly instalments, you may continue to do so at renewal of your policy. ADMINISTRATION FEE If you make a change to your policy before the renewal date we may make an administration charge of up to 22.50, the details of which will be shown on your schedule. Examples of when this charge may be made include the addition of an extra driver or drivers or the issue of a duplicate Certificate of Motor Insurance for taxation purposes. RENEWING YOUR At least 21 days before each policy renewal date we will tell you the premium and terms and conditions that will apply for the following year. If you wish to change or cancel the cover then please tell us before the renewal date. When you renew, you won t need to pay a deposit and your instalments will be spread over 12 direct debit payments. If you already pay by direct debit we will renew the policy automatically by continuing to collect instalment premiums, unless you notify us that you wish to cancel the policy. This will also apply to payments by credit/debit card if you have previously given us permission, otherwise, you must submit a further payment if you wish to renew the policy. You will have 14 days to cancel the policy after the renewal date and receive a refund of any premiums paid, unless you have made a claim since renewal. TERMINATION OF THE CONTRACT You may cancel this policy by returning any paper copies of the Certificate of Motor Insurance we have issued. To cancel please access the website and select the cancellation morethan.com/car option or call the Customer Service Centre. If you cancel the policy you may be entitled to a refund of premium as long as you have not made a claim. If you cancel this policy we will charge a cancellation fee of up to 55, which accounts for our costs in providing the policy. We may cancel this policy by giving you at least 7 days notice at your last known address. If you have not made a claim we will refund the appropriate proportion of the premium already paid for the remainder of the current period of insurance. Calculation of any premium adjustment will be subject to a cancellation fee of up to 55, unless the effective date of the cancellation falls within the statutory 14 days right to cancel, when the refund will be subject to an administration fee of 25 inclusive of Insurance Premium Tax at the current rate. Please see the Policy Cancellation section of your policy schedule for full details of the terms and fees applicable. THE LAW AND LANGUAGE APPLICABLE TO THE Both you and we may choose the law which applies to this contract. However, unless you and we agree otherwise, the law which applies is the law applicable in the part of the United Kingdom, Channel Islands or the Isle of Man in which you live. Full details will be provided in your policy documentation. The language used in this policy and any communications relating to it will be English. FINANCIAL SANCTIONS Please note that Royal & Sun Alliance Insurance plc is unable to provide insurance in circumstances where to do so would be in breach of any financial sanctions imposed by the United Nations or any government, governmental or judicial body or regulatory agency. Full details will be provided in your policy documentation. RSA μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority as an insurance company and to undertake insurance mediation under Registration No You can check this on the Financial Services Register by visiting the FCA s website or by contacting the FCA on PART OF THE RSA GROUP μ is a trading style of Royal & Sun Alliance Insurance plc (No ). Registered in England and Wales at St. Mark s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded and monitored. R00792F (03-15)